Price Satisfaction
Discover whether pet owners feel they’re getting good value from their pet insurance plans. These reviews focus on pricing transparency, affordability, and overall satisfaction with plan costs.
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Basic plan covers very little
I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.
Insurer: Fetch
By: Jonathan Fisk
Fetch Reduces Coverage Based on Claim History
Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.
Insurer: Fetch
By: Brian M.
deductibles not clearly explained
I was disappointed to learn that there was a $300 deductible that isn't met right away. I thought that the total invoice would meet deductible but found out only partial dollars of invoice are used , So one would have to see vet multiple times before meeting deductible. That wasn't clearly elaborated to me. Also, they take their time reimbursing
Insurer: Fetch
By: STEPHEN DELUISE
Premium skyrocketed for moving
My elderly parents have this insurance for their dog and they were never notified (found out when they took it out of their account)when they moved less than 60 miles that their dogs insurance went up $110 a month! That is the most ridiculous thing I have ever heard of in my life. Y’all should be ashamed of yourselves.
Insurer: Fetch
By: Jonathan Duffany
Peace of Mind for My Pup – I Love Figo!
I have a dog and absolutely love Figo Pet Insurance! From the start, the experience has been smooth, transparent, and stress-free. The sign-up process was easy, and I really appreciated the customizable plans that allowed me to choose the coverage that fit my needs and budget. Filing claims is incredibly simple through the app—just snap a photo of the vet bill and upload it. Reimbursements have been quick, and communication has always been clear and professional. It gives me peace of mind knowing I can focus on my dog’s health without worrying about unexpected costs. Figo has truly exceeded my expectations, and I’ve recommended it to several fellow pet parents already. If you're on the fence about pet insurance, I highly recommend giving Figo a try!
Insurer: Figo
By: Kim
I’ve been with Healthy Paws for 10…
I’ve been with Healthy Paws for 10 years and they’ve always been reliable. The online claim process is simple and fast — from major surgeries to regular checkups, payments have been processed quickly and smoothly. When my dog was seriously ill, they even reached out to ask how he was doing, which really comforted me. Premiums have gone up as my dog ages, but the amount is reasonable. Thanks to Healthy Paws, I’ve been able to keep giving my dog the care he needs. Highly recommend.
Insurer: Healthy Paws
By: Mengyin Li
Quick and painless claims process
I can't say enough great things about this pet insurance. They are quick and easy to put claims through. My only negative is that I had to use a lot of claims, and they increased my premium by over 56%! It feels like we're being punished for using the insurance. So don't love that, but love the claims process.
Insurer: Embrace
By: Aaron Chung
My dog was insured for 9 years
My dog was insured for 9 years. We never filed a claim. The past two years the policy doubled. $45 to $90 causing me to changed the deductible to get it to $70. This year it doubled again to $158. I cancelled it. Crazy. Worse than BlueCross for humans
Insurer: Embrace
By: jeff greenberg
10+ year customer, will always have them
i've had healthy paws pet insurance..... for the last 10+ years. they are definitely a premium insurer - but you get what you pay for. physical therapy. cancer treatments. $20,000 surgeries. i send them the invoice, they deposit my reimbursement a couple days later. not even batting an eye. i always recommend them.
Insurer: Healthy Paws
By: Scott
Unrealistic Annual Renewal Rates
The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.
Insurer: Embrace
By: Rachel